payday mess all help and advice needed

Account Reference #******
Russell Myers

This department has received recent communication regarding the above account. The communication received is recognized as portions of a form letter (cut and Paste template) currently being widely circulated via the Internet. Unfortunately this form letter is filled with misleading and incorrect information. The use of this form letter leads us to believe that there is not a specific complaint connected with the handling of your account. Please be reminded that the terms and conditions of the agreement you entered into with our company was presented to you at the time of your application and you were given a 48 hour window in which to cancel the agreement. In addition before each debit processed (within the guidelines of the agreement) you were given an account summary stating your options of fulfilling the agreement including instructions for repayment of the entire amount of the advance, in order not to incur additional fees. Since there is no mention of a specific problem with the way your account has been handled we must conclude your account was handled as agreed therefore your account will continue to be handled as agreed. Your persistence in this matter with us or any other agency that does not include an account of how your account was handled out of the guidelines of the signed agreement will merit the same response as the one you are now reading. Your account is currently in collections and your balance due to your actions is now $480.00. The account will continue in collections per the contract, please call the collections dept at 1-800-354-0602 to make immediate arrangements on this balance

A copy of your electronically signed contract can be faxed for your review. If, after your review, you find your account was handled differently than was/and is stated in the agreement please forward those details at once so further review of your account can be completed. It is our earnest endeavor to provide the best possible customer service and customer satisfaction and miss-handled accounts will be researched and addressed

immediately.
Please also note, we are the original creditor, the FDCPA applies only to 3rd party collectors.

We appreciate the opportunity to respond to your concern.

Sincerely
Compliance Department

United Cash Compliance Department
Fax: 1-800-230-9480
Email: compliancedepartment(at)unitedcashloans.com
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